| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID FERGUSON | 2200 BYRNE WOOD DRIVE JONESBORO, AR 72404 | USABLE LIFE | $30K | — | $30K | 10.00% |
| JOHNNY RUNNELLS | 3008 TIMBER CREEK DRIVE NORTH LITTLE ROCK, AR 72116 | USABLE LIFE | $6K | — | $6K | 2.00% |
| BLUE CROSS BLUE SHIELD OF FLORIDA Filed as: ARKANSAS BLUE CROSS BLUE SHIELD | 601 SOUTH GAINES ST. LITTLE ROCK, AR 72201 | USABLE LIFE | $2K | — | $2K | 0.65% |
| MARK MILLER Filed as: MARK MILLER INSURANCE | PO BOX 226 PARAGOULD, AR 72451 | DELTA DENTAL PLAN OF ARKANSAS | $2K | — | $2K | 6.35% |
| SUNSTAR INSURANCE GROUP LLC Filed as: SUNSTAR INSURANCE GROUP | 460 OIL WELL ROAD JACKSON, TN 38305 | DELTA DENTAL PLAN OF ARKANSAS | $252 | — | $252 | 1.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 577 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 577 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | ARKANSAS BLUE CROSS AND BLUE SHIELD | 878 | $362K |
| Vision | DELTA DENTAL OF ARKANSAS | 1,006 | $72K |
| Life insurance | USABLE LIFE | 577 | $298K |
| Short-term disability | USABLE LIFE | 577 | $298K |
| Long-term disability | USABLE LIFE | 577 | $298K |
| Other | USABLE LIFE | 577 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,006 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.